Financing Options for Blephroplasty

In 2014, 10 million people underwent a cosmetic procedure in the U.S. and spent a whopping total of $12 billion. When you break down those billions, the figures are steep. The American Society for Aesthetic Plastic Surgeons reports that the national average surgeon/physician fees for eyelid surgery is $2,972, which does not include surgical facilities, anesthesia, and other fees that can add thousands to the final bill.

Insurance generally does not help with covering the bill for blephroplasty in Tampa, unless it is a rare instance where eyelid surgery is a result of illness or accident. Choosing to have cosmetic eyelid surgery is an elective procedure that will have to be paid out of pocket. So what are your payment options for eyelid surgery in Tampa?

Elite Facial Plastic Surgery Rejuvenation in Tampa, Florida wants to help you choose the best financing option for your Tampa eyelid surgery. If you are considering blephroplasty, here are some payment methods for you to explore:

Money you already have in a savings account. While you didn’t plan on spending the money on a Tampa eyelid surgery, you won’t have to borrow money and pay interest. Saving a little bit of money each month may take time, but it is the soundest option to pay for blephroplasty.

Regular Credit Cards.

You can use an existing credit card or apply for a new credit card to pay for your Tampa eyelid surgery. Look for cards that have low interest rates and do not pay more than 10% interest.

Bank Loan.

You can apply for a personal loan from your bank or other lender to pay for eyelid surgery. For a low interest rate, ask your lender about secured loans, an option only if you know that you will make all of your payments on time.

Home Equity Loans and Lines of Credit.

There is an option to pay for blephroplasty by taking a loan against the equity of your house, with the interest based on current mortgage rates. Right now, mortgage rates are at a historic low, so now would be the optimal time to take a loan out against your home.

Unsecured Medical Loans.

Unsecured medical loans come in the form of personal loans or credit cards, and are usually brokered through a third party such as a doctor. The eyelid surgery specialists at Elite Facial Plastic Surgery and Body recommend that you always read the fine print and shop around for the best deal.

Surgeon Payment Plans.

Some plastic surgeons work with patients who want to have eyelid surgery in Tampa and create a payment plan that works with their budget. However, most doctors require full payment up front.

401(k) Loans.

Most 401(K) accounts will allow participants to borrow up to 50% of the invested balance. Repayments will automatically be deducted from your paycheck for a period of up to 5 years. It is quick and easy, and you pay yourself the interest.

Friends and Family Loans.

If you have friends or family with extra cash and they are willing to lend it to you for eyelid surgery, you may want to consider this option, since most of the time they will not charge you interest and can offer flexible repayments.

In rare occasions, sometimes people receive gift certificates or cash gifts to get their blephroplasty.

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